Frequently Asked Questions
1. What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage.
2. How much auto insurance do I need in Louisiana?
Auto insurance requirements vary by state. In Louisiana, each vehicle is required to have: 15/30/25 liability limits.
$15,000 - for bodily injury to one person
$30,000 - for bodily injury to more than one person in a single accident
$25,000 - coverage for damage to someone else’s vehicle or other property.
Liability insurance covers bodily injury or property damage caused by you, your family members, and others driving your vehicle with your permission. You and your family members are also covered when driving another person’s automobile including rental private passenger vehicles. Company cars and other non-owned cars regularly available to you are not covered.
While the above amounts are all that Louisiana law requires, they are often not enough. Contact us to find out how much coverage you should be carrying.
3. What do I need to get an auto insurance policy?
We will need your name, date of birth, driver's license number, and social security number for each driver. We also need the type of vehicle(s) and VIN numbers. This will allow us to give you an accurate quote. However, we may ask for additional information to confirm rates and bind a policy.
4. How can I lower my car insurance premium?
As an independent insurance agency, we have access to multiple companies that allows us to find the best rates. There are many ways to lower your premium on auto insurance, but the best way is to make sure you have a clean driving record for at least 5 years. This will help qualify you for most preferred pricing with insurance companies. Some other ways to lower your premium are by:
-Raising your deductibles- The higher your deductible, the lower your premium is going to be. If you opt for a high deductible, your premiums will be lower. For example, buying collision coverage with a $500 deductible will cost less than the same coverage with a $250 deductible.
-Drop comprehensive and collision coverage- the benefit of this coverage is often diminished on older vehicles.